How Benemoney Makes Money

Lenders in our network pay Benemoney referral fees when a connection made through this site becomes a funded loan. Borrowers never pay us anything. That is the entire business model, and everything else on this page is its fine print made large.

The fee is paid by the lender, from the lender’s side of the transaction. It is not added to your loan, does not change your APR or terms, and does not appear on your agreement — your loan’s cost is set by the lender’s underwriting of your file, exactly as it would be if you had found that lender directly. What the fee buys the lender is qualified customer flow; what it buys you is a free comparison service; what it buys us is a reason to keep both sides honest.

How Compensation Can Influence What You See

Disclosure means naming the pressure points, so here they are. Compensation levels can influence which lenders participate in the network, and may influence the order or prominence with which offers are presented to you. Not every lender operating in your state participates in our network, and a non-participating lender might offer you terms our network cannot match — which is why our own lender comparison covers companies beyond the network and our credit union guide tells many readers to get a quote we earn nothing from. We think the free-comparison trade remains excellent for borrowers; we’d rather you take it with the mechanics in view.

Lending Disclosure

Benemoney is a loan connection service, not a lender, and does not make credit decisions. Personal loan amounts of $500–$5,000, APRs, fees, and repayment terms are set solely by the lender that reviews your request and vary by lender, by your credit profile, and by state law. Not all applicants qualify. Loan products are not available in every state, and the set of lenders that can respond to any request depends on state licensing. Submitting a request involves a soft credit inquiry; accepting a specific lender’s offer typically involves a hard inquiry by that lender. Late or missed payments may result in fees set by your lender and may affect your credit score; every lender’s specific terms appear in its loan agreement, which is the only binding document in this process.

About Every Number on This Site

Every APR, payment, cost, timing, and approval-odds figure published on this site — guides, calculator, blog, all of it — is an estimate for education and planning, not an offer, a quote, or a guarantee. Real numbers arrive only in a lender’s written offer addressed to your file. Where this site’s estimates and any lender document disagree, the lender document is correct, and we’d appreciate the correction note.

Editorial Independence

Our guides, blog posts, and the lender comparison are produced by our editorial team under standards published on the About page, and lenders do not review, approve, or pay for editorial content. The comparison page deliberately carries no referral links so it can describe companies — including their downsides — without a payment relationship coloring the sentence. Reviews on the review page are customer-submitted and published unedited, critical entries included. Questions about any of this reach a human at [email protected].